What is United Bancorp's loans held for sale?

United Bancorp (UBCP) reported loans held for sale of $492K in Q1 2026.

What does loans held for sale mean?

Originated mortgage loans intended for sale into the secondary market, carried at fair value or lower of cost/market.

United Bancorp UBCP Loans held for sale

Loans held for sale at other companies

CNB FinancialCCNE

$280K-67.4%

MetroCity BanksharesMCBS

$9.74M—

Peoples Financial ServicesPFIS

$1.18M+181%

PennyMac Financial Services, Inc.PFSI

$9.95B+40.3%

Peapack-Gladstone FinancialPGC

$9.2M+5.7%

Fulton FinancialFULT

$11.89M-25.5%

Other financials

Income statement

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Revenue$721.0K—

Net income$1.9M+2.1%

EPS (diluted)$0.33+3.1%

Balance sheet

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Cash & equivalents$27.2M-25.2%

Total debt$3.0M+2.2%

Total equity$67.5M+11.0%

Total assets$858.5M+3.3%

Cash flow

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Operating cash flow$266.0K-75.0%

CapEx$2.0M+23.3%

Free cash flow-$1.8M-199%

Valuation

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Market cap$91.8M+21.2%

Enterprise value$67.52M+126%

P/E11.8×+1.6×

P/S33.2×—

Profitability

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Net margin33.1%—

FCF margin31.5%—

Returns & leverage

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Return on equity12.1%+0.4pp

Debt / equity0×0.0×

Where this comes from

Reported directly by United Bancorp in its filing.

Tagged under the XBRL concept us-gaap:LoansReceivableHeldForSaleNetNotPartOfDisposalGroup.

The official record: United Bancorp’s 10-Q, filed May 14, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Bancorp's loans held for sale?: United Bancorp (UBCP) reported loans held for sale of $492K in Q1 2026.
What does loans held for sale mean?: Originated mortgage loans intended for sale into the secondary market, carried at fair value or lower of cost/market.